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CreditFirm.net

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29 User Reviews

6.0

Overall Score

LAST UPDATED: September 22nd, 2021

CreditFirm.net, which was founded in 1997, is a private credit law firm that offers credit repair, credit monitoring, and credit coaching assistance to consumers on a monthly subscription basis.

The credit repair company offers one-on-one coaching, pay-for-delete creditor negotiations, student loan consolidation, and tax preparation services. The company also assists consumers with home and auto loan approval preparation.

Like the majority of other credit repair companies, CreditFirm.net provides a free credit consultation. CreditFirm.net services also include MOV requests, Debt Validation, Permissible Purpose Verification, and Goodwill Requests.

Keep reading to learn more about the pros and cons of CreditFirm.net's credit repair services. 

Top Ranked Companies

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The Good

  • Extensive Credit Restoration Services 
  • Lower-Than-Average Pricing 
  • Time in Business 

The company appears to provide a fairly straightforward process that maximizes results in a realistic period of time. Benefits of CreditFirm.net include:

Extensive Credit Restoration Services

CreditFirm.net delivers an extensive range of credit restoration services to help consumers reduce overall debt and increase their credit scores.

The credit repair company creates customized plans for its clientele and works to stop harassing calls from debt collectors. CreditFirm.net also works with clients to obtain mortgage loans in the home-buying process.

Unlike most companies within the credit repair industry, CreditFirm.net provides unlimited credit bureau challenges, unlimited inquiry challenges, unlimited goodwill interventions, and unlimited debt validation services. 

Lower-Than-Average Pricing 

CreditFirm.net charges customers a monthly price of $49.99 which is on the lower end of pricing in comparison to other companies in the credit repair industry.

The company also charges a first-time fee of $49.99 which is significantly less, once again, than what other credit repair companies charge for first-time fees.

According to CreditFirm.net's website, customers can cancel services "at any time without penalty or any further obligation". 

Time in Business 

CreditFirm.net was founded in 1997 which makes it one of the older credit repair companies in the industry. Due to its time in business, the company retains a level of experience and respect that newer companies may lack. 

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The Bad

  • Limited Website Information
  • Lacks Official Money-Back Warranty 

Although CreditFirm.net has designed a process that will help consumers remove inaccuracies, there are limitations to their platform as well. 

Limited Website Information 

While CreditFirm.net is transparent about its pricing and services online, the company is not very clear about its refund policy, whether or not it provides clients with an app or online portal access, whether or not it provides clients with extra financial tools, how long its credit repair process generally take, and more. 

Lacks Official Money-Back Warranty 

CreditFirm.net does not appear to have an official money-back guarantee.

Instead, the company applies a money-back warranty on a case-by-case basis. CreditFirm.net customers may only get the money-back warranty if the company deems it to be necessary. 

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The Bottom Line

CreditFirm.net is a private credit repair company that provides extensive credit restoration services to individuals requiring long-term credit repair.

Services include one-on-one credit coaching, pay-for-delete creditor negotiations, student loan consolidation, and tax preparation services.

CreditFirm.net also has lower-than-average pricing and has experience from being in business since 1997. However, the company does not have an official money-back guarantee and fails to disclose some information on its website.

If you are looking for a cheaper monthly subscription credit repair service, CreditFirm.net may be a company to consider. That said, we encourage you to conduct your own research, read several CreditFirm.net reviews, and talk to a company representative to see if CreditFirm.net is the right service for you. 

View Best Credit Repair Companies

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Star Rating

4.5

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29 Reviews

Review Breakdown

5 grade

69%

4 grade

24%

3 grade

0%

2 grade

0%

1 grade

7%

Sentiment Criteria

Value

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Annie Greene Atlanta, GA

What I like best about this company is that they actually helped me raise my credit scores. I signed up in June because I wanted to buy a house and couldn't get approved, well, it's September 21st and I just got approved for a FHA mortgage. Credit Firm did a great job at explaining what they actually do and an even better job at getting my scores above 620. My husband signed up with them earlier today so we can get his car loan refinanced.

3 weeks ago

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Billy McD Fort Lauderdale, FL

My experience with creditfirm was pretty awesome. It's like one of those ron popeil set it and forget it deals. I signed up, set in my reports, and... that's it! I basically did nothing except check my credit scores every once in a while, and then one day I get a notification from creditkarma congratulating me on having a 700 score. I was like WHAT! You gotta understand I've had pretty crappy credit my whole life, not 600s crappy, low 500s stuff! Ofcourse I'm happy that I have great credit but, at this point Im pretty nervous cuz I don't want to screw my credit up again, lol. Anyway, creditfirm did a great job for me.

2 years ago

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Kimmy Woodard Jonesboro, GA

September 26, 2019 I was fortunate enough to be assigned to Michael A, Senior Credit Repair Specialist. Michael is extremely good at what he does. He has the ability to think outside of the box and work angles to his client's advantage. I also like the fact that he is easy to reach and always timely responds to any inquiry you may have concerning his client's credit repair issues. The fee associated with his firms services is worth every dime. I highly recommend CreditFirm.com. Thanks again Michael!

2 years ago

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Stacy Seattle, WA

I tried fixing my credit myself for almost a year doing disputes and I got a bunch of stuff removed but my scores were still low and I had a lot of bad stuff still on my report that I could get rid off. Finally I decided to let this company take over and to my surprise they did a really good job. They deleted a lot more accounts for me and most importantly got my scores up.

3 years ago

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Santiago Rolling Meadows, IL

I was afraid to go to credit repair company. You hear so many bad things about scam. My friend told me CreditFirm.net is different : honest and professional credit repair service. I really wanted a new truck! So I decided to sign with Credit Firm. CreditFirm.net has a very good price - anyone can afford! For me price is very important and results of course. Anyway, I am very proud to say that I made a right choice (now I know I did!) with CreditFirm.net system I fixed my credit and got a brand new truck! I am so excited!!!

8 years ago

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Darla Oakland, CA

It took about 6 months but, considering that I've had bad credit for the last 25 years, spending 6 months on fixing my credit isn't too bad. All 3 of my credit scores are over 700 and for the first time in my life, I'm not afraid of going to the car dealership. It feels nice to have a good credit score.

3 years ago

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Jerry Dobson Henderson, NV

My overall experience was pretty great. Communication was pretty quick, I got some great advice on my student loans and my credit score is a lot better. I'm not looking to buy a house or anything like that but, It's nice to know that I can get financing anytime I need it.

3 years ago

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Sasha New York, NY

I couldn't afford some of the other companies so I chose this one because of the price. I used them for 8 months and my score went to 673, it was 500-something before. My sister used another company and paid them $100 a month, she started same time as me and her score still sucks, lol. I'm glad I used the credit firm.

4 years ago

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Watson Miami, FL

Just got a letter from TransUnion, my Tax Lien was deleted! This was the final hurdle stopping me from buying a house. Wish I didn't waste time and hired credit firm a long time ago, my interest rate would have been smaller. Still happy I finally got this taken care of.

4 years ago

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Javier

I had creditfirm.net work on my credit for 8 months and my credit score increased from 486 to 647. Although the score is still not perfect, I did get pre-approved to buy a house, which is the most important thing for me. Once the closing is done, I'm going back to get my score up even higher.

8 years ago

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Edgar Garcia Rolling Meadows, IL

I'm very happy that I can tell others about a credit repair company that actually does what it promises. Credit Firm went above and beyond to help get me qualified for a mortgage. They worked hand in hand with my loan officer to get me to a 640 score before the contract on our house expired. You can trust these guys.

8 years ago

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Justin Jus Buffalo Grove, IL

I was a bit hesitant when signing up with a credit repair company, but these guys did an excellent job explaining the process and walking me through step by step. It's not that complicated really, and 8 months later, I'm sitting pretty with a 726 credit score thanks to credit firm.

8 years ago

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Irene Vernon Hills, IL

I hired creditfirm.net after I was turned down for an auto loan. After 3 months I came back to the dealership and got a 2008 Toyota Avalon at 5%! My credit score went up to 691. I'm continuing the services so that I can get over 750. I've recommended this company to several family members already and I would recommend them to anyone.

8 years ago

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Mr. Lee Parker, CO

Credit scores gone up to 689 on creditsesame from 400s. I was a bit antsy at first but after a few months I started seeing stuff coming off and and my score began creeping up. Took me about 5 months but now I'm good to go.

3 years ago

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Maria Buffalo Grove, IL

I have to say CreditFirm.net is the best company I have interacted with. From the 1st phone call I felt comfortable telling my credit consultant about my credit problems. He was very polite and knowledgeable.

8 years ago

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Texas Bern Big Sandy, TX

7 collections GONE and my credit is Resurrected this day just like our LORD and Savior. Happy Easter everyone, I'm fittin to buy a house tomorrow!!!!!

2 years ago

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Justin Samson Lemon Grove, CA

I used credit firm to delete 50 inquiries from my credit and got my score up to 700. Good service. Not expensive and most important HONEST!

3 years ago

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Diane Scottsdale, AZ

My credit score is over 140 points higher after 8 months with credit firm. I'm very satisfied and happy to recommend them to everyone.

6 years ago

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Jose Hernandez Buffalo Grove, IL

You guys ROCK! I'm closing on my home in 2 weeks because of you. Thank YOU!!!

8 years ago

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Sandra Tellado Vernon Hills, IL

Excellent work cleaning up my credit! Thank you!

7 years ago

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